Sucihatiningsih Dian Wisika Prajanti, Edi Kurniawan, Talitha Widiatningrum

Economic Empowerment of Indonesian Migrant Workers in Hong Kong Through Digital-Based Financial Literacy

Introduction

Economic empowerment of indonesian migrant workers in hong kong through digital-based financial literacy . Empower Indonesian migrant workers in Hong Kong with digital financial literacy. Boost income management & digital finance skills (up 41%), improving long-term economic welfare.

Abstract

Many migrant workers in Hong Kong struggle to manage their income due to low levels of financial literacy, resulting in their economic potential not being optimally utilized. Low financial management skills can increase the risk of excessive debt and unproductive consumption, thus affecting their long-term welfare. The activities carried out in this service include Coordination of Service Implementation, Socialization, Digital-based Financial Literacy Training, and Mentoring. The implementation method used in this community partnership program is participatory. The results of the service showed an increase in understanding of financial literacy by 32%, and skills in using digital financial applications increased by 41%. In addition, this mentoring also strengthens social relationships between participants, local facilitators from PCIA Hong Kong, and the implementation team.

Review

The paper, "Economic Empowerment of Indonesian Migrant Workers in Hong Kong Through Digital-Based Financial Literacy," addresses a highly relevant and critical issue concerning the financial well-being of a vulnerable demographic. The abstract clearly identifies a significant problem – low financial literacy leading to underutilized economic potential and increased risk – and proposes a practical, digital-based intervention. The reported outcomes, particularly the significant increase in understanding of financial literacy (32%) and digital application skills (41%), demonstrate the immediate positive impact of the service activities. The inclusion of community partnerships and the mention of strengthened social relationships further highlight a holistic approach to supporting migrant workers. While the reported increases in knowledge and skills are encouraging, the abstract presents several areas that would benefit from further elaboration for a robust academic contribution. Primarily, the methodological description is quite brief, framing the work as a "service" or "community partnership program" rather than a research study. More detail on the evaluation design (e.g., pre-post tests, control groups if any), the specific instruments used to measure financial literacy understanding and digital skills, and the data analysis approach would significantly enhance its academic rigor. Furthermore, while the title promises "economic empowerment," the results presented are primarily indicators of enhanced knowledge and skills. A clearer articulation of how these immediate outcomes are expected to translate into tangible economic empowerment (e.g., changes in savings, investment, debt reduction) would strengthen the connection between the intervention and its ultimate goal. To fully realize the potential of this work, future iterations could focus on deepening the empirical evidence base. It would be beneficial to track participants over a longer period to assess the sustainability of skill adoption and, more importantly, the long-term impact on actual financial behaviors and economic outcomes. Investigating the specific types of "digital financial applications" and their relevance to the Hong Kong context for Indonesian migrant workers would also add valuable practical insights. Finally, while "participatory" is noted, expanding on *how* this participation influenced the program design and outcomes could provide a valuable model for other community-based interventions. This research holds significant promise for informing policy and practice in supporting migrant workers, and a more detailed methodological framework would allow for broader applicability and scholarly discussion.

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